En Afrique, les stablecoins, cryptomonnaies adossées à des monnaies fiat, gagnent en popularité pour pallier les défaillances financières traditionnelles. Face aux limites des stablecoins en dollars, des projets locaux adossés à des monnaies africaines émergent pour des paiements rapides et abordables.
Kraken's DeFi Earn, launched in 2026, attracted 40,000 depositors by offering up to 8% APY directly within its trading interface. This "CeDeFi" model combines a centralized user experience with decentralized infrastructure, signaling a shift towards mainstream adoption of DeFi yield.
Stablecoin liquidity on the XRP Ledger (XRPL) has nearly doubled in a month, approaching $1 billion, largely due to Ripple's RLUSD. This surge supports Ripple's strategy to position XRPL as a payment rail for AI agents, enabling automated, fast, and rule-enforced transactions, a market projected to reach $183 billion by 2033.
Financial institutions like Franklin Templeton and BNP Paribas are exploring tokenization and stablecoins to enhance capital markets in Europe by improving settlement and liquidity. Major US banks are also planning tokenized deposit networks, while Nasdaq and NYSE are developing tokenized trading infrastructure.
Les conseillers financiers américains, gérant 175 000 milliards de dollars, s'intéressent moins au Bitcoin et davantage aux stablecoins et à la tokenisation, selon Matt Hougan de Bitwise. Un cadre légal clarifié favorise cet intérêt.
Financial advisers are showing more interest in stablecoins and tokenization than Bitcoin, potentially signaling a shift in crypto investment strategies. This trend could drive a new bull market, according to Bitwise investment chief Matt Hougan.
Financial advisors are showing more interest in stablecoins and tokenization than Bitcoin, potentially signaling a new crypto bull market driven by institutional investors and real-world applications.
Mastercard has launched Agent Pay for Machines, a new platform allowing AI agents to make autonomous payments using cards, bank accounts, and stablecoins. The service aims to facilitate high-volume, low-value transactions between AI systems, expanding on Mastercard's existing Agent Pay program.
Paradigm and the Hyperliquid Policy Center warned U.S. regulators that proposed stablecoin anti-money laundering rules could push regulated dollar tokens away from permissionless DeFi by making issuers responsible for secondary market activity.
The Solana Foundation is collaborating with the World Series of Poker (WSOP) to allow crypto buy-ins and stablecoin payouts for tournament prizes. MoonPay will provide the payment infrastructure, offering zero processing fees for Solana-based transactions. Stablecoin payouts begin in December at WSOP Paradise in the Bahamas.
Geoffrey K. Auyeung, 47, was sentenced to five years in prison for laundering nearly $100 million in crypto fraud proceeds. He facilitated the transfer of victim funds to co-conspirators' accounts and crypto addresses, earning at least $4 million in commissions.
Les géants bancaires américains (JPMorgan, Citi, Bank of America) créent un réseau de dépôts tokenisés pour contrer la fuite des capitaux vers les crypto, en réponse au CLARITY Act et à la popularité des stablecoins.
Stripe, Visa, Mastercard et éventuellement Coinbase collaborent sur une infrastructure stablecoin conjointe, visant à contrôler les canaux de distribution de liquidité dans les paiements cryptographiques, avec pour objectif de générer des revenus via des frais de transaction.
Crypto exchange Bybit now supports Western Union's USDPT stablecoin, marking the first time the digital dollar is available on a major trading venue. This integration expands USDPT's use beyond payments into crypto trading and settlement.
Le lobby bancaire américain, via l'ABA, mène une campagne pour empêcher la rémunération des stablecoins, craignant une fuite des dépôts. Un sondage commandé par l'ABA révèle cependant un intérêt croissant du public pour les actifs numériques.
Fintech firm Revolut plans to offer stablecoins through its upcoming US bank, aiming to attract retail and business customers with international banking needs. The bank, expected to launch next year, will also provide FDIC-insured accounts and other financial services.
Coinbase is reportedly exploring a loophole in the CLARITY Act, which aims to ban passive interest on stablecoins. By integrating with Ethena, a synthetic dollar protocol, Coinbase could offer activity-based rewards, potentially bypassing regulations and frustrating traditional banks.
Mastercard a lancé une solution de règlement interbancaire utilisant 6 stablecoins en dollars, permettant des transferts de capitaux 24/7. Cette initiative vise à optimiser la trésorerie de l'industrie du paiement en contournant les horaires bancaires traditionnels.
A UK House of Lords committee has advised the Bank of England to reconsider proposed stablecoin caps and reserve requirements, arguing they could stifle the development of a pound-denominated stablecoin market before it even begins.
Mastercard announced plans to expand its settlement capabilities, allowing issuers and acquirers to settle card transactions using regulated stablecoins like USDC and PYUSD. This move integrates stablecoins deeper into mainstream financial infrastructure.
New York's NYDFS and the EU's EBA signed an MOU to share information on the $314 billion stablecoin market, aiming to enhance oversight, identify risks, and coordinate responses during crises. This collaboration addresses concerns about stablecoin runs and dollar dominance in the sector.
La BCE, via Isabel Schnabel, critique les stablecoins (USDT, USDC) pour leur risque de liquidité et leur opacité. Elle propose un euro numérique traçable pour contrer l'infrastructure privée de 300 milliards de dollars.
On the third day of the TECH conference, discussions focused on enhancing security policy prevention measures, with Hypo CTO advocating for a Euro-linked stablecoin to bolster Europe's digital currency landscape.
Les stablecoins, initialement des outils de trading, deviennent des armes dans la guerre des souverainetés monétaires. Les États-Unis, avec le GENIUS Act, soutiennent le dollar numérique sur blockchains, tandis que la BCE accélère sur l'euro numérique, centralisé et potentiellement risqué.
